Toyota Access

Flexible car finance that’s tailored to your needs

A Toyota Access Loan means you can drive the Toyota you want today with the knowledge that the future is taken care of.

Why choose a Toyota Access Loan?

Access the future with Toyota Access and know exactly how much your car will be worth to us at the end of your car loan (subject to fair wear and tear and agreed kilometres being met). When your loan ends, you will have three flexible options to choose from. And, thanks to Toyota Personalised Repayments[F6] that remain fixed for the life of the loan, your repayments won’t change. So, no nasty surprises.

Lower monthly repayments with a Guaranteed Future Value

Lower monthly repayments[F9] with a Guaranteed Future Value[F2]

Your Guaranteed Future Value[F2] helps you to plan for the future with confidence, and you could also end up paying less per month than with a standard car loan. From the first day of your loan, you'll know your monthly repayments and the value of your Toyota at the end of your loan, as determined by us.

A Toyota Access Loan gives you more options

A Toyota Access Loan gives you more options

With Toyota Access your balloon payment won't be larger than what your vehicle is worth to us, a Toyota Access Loan provides clear options at the end of your loan period. You can use your Guaranteed Future Value[F2] to trade up to another vehicle, refinance the remainder, buy the vehicle outright or simply walk away with nothing more to pay (subject to fair wear and tear guidelines, agreed kilometres and contract conditions being met).

Know what’s ahead

Know what’s ahead

It can be worrying not knowing what the future holds. With a Toyota Access Loan, you can see exactly where you’re headed.

Keep your options open

Keep your options open

There’s more than one way to end your Toyota Access Loan. We’ll give you all the choices upfront, to do what suits you best when the time comes.

Stay in control

Stay in control

Design your Toyota Access Loan to suit you. You decide on your deposit amount, term length and repayment frequency to calculate your Guaranteed Future Value[F2].

Getting your Toyota Access Loan quote

We give you the power to choose exactly how the life of your Toyota Access Loan will play out. You’re in control every step of the way.

Enter details

Enter details

Choose a Toyota, your deposit amount (if any), the frequency of your repayments and loan term, then estimate how many kilometres you’ll drive.

Calculate repayments

Calculate repayments

Toyota Finance analysts calculate your vehicle’s Guaranteed Future Value[F2] based on your choices and market data.

Finance breakdown

Finance breakdown

Using your Toyota Personalised Repayment[F6] and your Guaranteed Future Value[F2], we offer you a competitive fixed rate loan.

End of loan options

When your loan term ends, you have three options: trade in for a new model, keep the vehicle, through refinancing or paying it off outright, or return the vehicle to us for the Guaranteed Future Value[F2].



Visit Melville Toyota if you’d like to upgrade your Toyota for a new model. If the trade-in value is higher than your outstanding balance, you can put the difference towards your new vehicle.



If you’d prefer to keep your Toyota, choose to pay the outstanding balance on the vehicle or let us help you refinance the remainder (conditions apply).



If you’d like to return your car, Toyota Finance will pay you the Guaranteed Future Value[F2] agreed at the start of your loan (subject to fair wear and tear and agreed kilometres being met) and put it against the remaining balance owing on your account.

How to apply

Before applying for car finance, there are several documents you need to have ready. Finance expert Kochie helps explain each of the documents and we have a checklist you can print out to make sure you have everything you need.

Toyota Personalised Repayments

Toyota Personalised Repayments

Ready to get a finance quote?

Contact the Finance Team at Melville Toyota to get a personalised quote for your next Toyota.


Fees that will apply

Establishment Fee - $395
The cost to set-up your approved loan with Toyota Finance. It is payable upon loan settlement, and can be included within the amount financed.
This is referred to in your contract as your Loan Account Establishment Fee.

Vehicle Security Registration Fee - $6
The cost of registering Toyota Finance’s security interest in your vehicle on the Australian Government’s Personal Property Securities Register.

Account Administration Fee - $8/month
A monthly fee for the management of your loan account.

Dealership fees

On-charged Dealer Agency Fee - $890 +GST
This fee covers the dealership’s cost of preparing your finance application on Toyota Finance’s behalf.
The Toyota Finance & Insurance Manager within the dealership is responsible for explaining the different types of finance products to you, and arranging all the necessary paperwork to submit, manage and finalise your finance application.

Frequently Asked Questions

What Identification and Documents do I need to apply?

To apply for car finance you will need to provide the following

Proof of Identity

  • Driver’s license – at least one person on the finance application
  • Passport or Proof of Age card

One of the following:

  • Valid Medicare
  • Valid Credit/Debit card
  • Valid Veteran card

Proof of income – one of the following combinations


  • Pay slip including year to date summary (unless Jul/Aug) or
  • 3 x consecutive payslips (if no YTD or Jul/Aug) or
  • Employment contract and 3 months bank statement
  • (if recently started)

Self Employed

  • Tax Return or
  • Business Financials


Proof of residence

Home owner/buyer

  • Rates notice


  • Tenancy Agreement

Boarding or living with parents

  • Proof of address

Understanding of monthly expenses – you will be asked about your current monthly expenses. It is best to be prepared with a list of your monthly expenses.

Kochie helps explain each of the documents and we have a checklist you can print to make sure you have everything you need.

PDF Checklist
Watch video

What is the current interest rate offered by Toyota Finance?
All of our guests receive a Toyota Personalised Rate when applying for finance. Our sophisticated software calculates your interest rate based on your credit score and other personal criteria determined by us. This means you get a rate that is based on your individual circumstances.

Toyota Finance is committed to providing you with quality finance options tailored to your individual needs and lifestyle. And with Toyota’s Personalised Rates, you can be confident that you are getting a fair and transparent interest rate for your loan.

What is Toyota Finance Online?
Toyota Finance Online is the easy way to manage your Toyota Finance account. You can access your finance account online at a time that suits you.

  • View account balances
  • View contract details
  • Calculate a payout quote
  • Generate statements
  • Update your payment or contact details

Download your MyFinance Portal app for iPhone®* or Android™️** or login online now.

* iPhone® is a trademark of Apple, Inc. registered in the U.S. and other countries.
** Android™ is a trademark of Google LLC.

How can I access my Toyota Finance Online account?
To access your account you will first need to register. Go to Toyota Finance Online, select the “Not Registered?” link, then enter your details and create your password.

You will need your Customer ID number. You can find it in the welcome letter you received at the start of your loan or any other letter that we have sent you.

  • Disclaimer

    [F2] The Guaranteed Future Value (GFV) is the minimum value of your Toyota at the end of your finance contract, as determined by Toyota Finance. If you decide to return your car to Toyota at the end of your term, Toyota Finance will pay you the agreed GFV, which will be put against your final payment subject to fair wear and tear conditions and agreed kilometres being met. The information provided is general in nature. You should seek your own financial advice to determine whether Toyota Access is appropriate for your individual circumstances. Terms, conditions, fees and charges apply. Toyota Access GFV products are available to approved customers of Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.

    [F6] Approved applicants only. Terms and conditions apply. Toyota Finance is a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.

    [F9] Lower monthly repayments compared to a similar term with no Guaranteed Future Value (GFV) or equivalent balloon final payment. Total interest charges will be higher if a GFV or balloon final payment is selected.